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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,228 | $217,392-79.2% | $185,818-75.7% | $167,497-73.0% |
| Participation rate | 68.4% | 86.0%-17.6pp | 81.7%-13.3pp | 82.1%-13.7pp |
| Annual return | 16.34% | 148.37%-132.0pp | 122.06%-105.7pp | 478.62%-462.3pp |
| Employer contribution / active EE | $1,463 | $5,873-75.1% | $5,168-71.7% | $4,838-69.8% |
| Participant deferral / active EE | $3,063 | $6,357-51.8% | $5,568-45.0% | $6,341-51.7% |
| Admin fee / account holder | $3,957 | $19,813-80.0% | $16,239-75.6% | $12,310-67.9% |